The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,997
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$980/mo
Today · 4.125%
HK$32,941
baseline
▲ 0.50% · 4.625%
HK$34,945
+HK$2,004/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,882/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,484
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,409
−HK$938/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,263
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,176/mo
Today · 4.125%
HK$39,529
baseline
▲ 0.50% · 4.625%
HK$41,934
+HK$2,405/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,058/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,380
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,490
−HK$1,126/mo
Today · 4.125%
HK$43,616
baseline
▲ 0.50% · 4.625%
HK$45,915
+HK$2,299/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,232/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,396
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,372/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,923
+HK$2,806/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,277
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,572
−HK$1,313/mo
Today · 4.125%
HK$50,885
baseline
▲ 0.50% · 4.625%
HK$53,568
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,770/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,794
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,530
−HK$1,763/mo
Today · 4.125%
HK$59,293
baseline
▲ 0.50% · 4.625%
HK$62,901
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$118,586/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,071
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,735
−HK$1,689/mo
Today · 4.125%
HK$65,424
baseline
▲ 0.50% · 4.625%
HK$68,873
+HK$3,449/mo
Deposit HK$1.36M · loan HK$12.23M · min. income ≈ HK$130,848/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,760 · Scale 2, in force from 26 Feb 2026)